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Banco do Brasil S.A. 2H07

Banco do Brasil S.A. 2H07. 18.0. 17.8. 16.5. 15.3. 13.3. 12.0. 9.3. 7.6. 5.7. 3.1. 2.1. 1.5. 2003. 2004. 2005. 2006. 1H07. 1H06. Economic Environment. Ratio - %. Interest Rate - Selic. Price Index - IPCA.

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Banco do Brasil S.A. 2H07

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  1. Banco do Brasil S.A. 2H07

  2. 18.0 17.8 16.5 15.3 13.3 12.0 9.3 7.6 5.7 3.1 2.1 1.5 2003 2004 2005 2006 1H07 1H06 Economic Environment Ratio - % Interest Rate - Selic Price Index - IPCA Source: Central Bank and Brazilian Institute of Geography and Statistics - IBGE

  3. 463 383 303 192 147.1 85.8 62.7 53.8 52.9 49.3 46.1 44.7 33.6 24.8 20.6 19.4 2003 2004 2005 2006 1H07 1H06 Economic Environment 240 160 USD billion Sovereign Risk – basis points International Reserves Trade Balance Source: Agência Estado, Ministry of Development, Industry and Foreign Trade and Central Bank

  4. 60.5 56.4 52.8 52.2 51.0 49.0 47.8 47.2 43.6 39.5 Banking Industry 32.3 30.8 28.1 26.9 26.2 2003 2004 2005 2006 1H07 Loan Segments – Free Resources % Loan / GDP - % Businesses Individuals Source: Central Bank

  5. 15.2 29.7 55.1 Loan Segments Individual Loan Segments - % 10.6 10.9 11.7 13.0 12.4 16.6 20.2 21.0 27.5 26.6 26.7 26.0 47.2 45.1 42.5 42.0 2003 2004 2005 2006 1H07 Payroll Loan Credit Card / Overdraft Account Cars Others Source: Central Bank

  6. Banco do Brasil Structure Banco do Brasil Wholly Owned Subsidiaries BB LEASING Co. LTD BB - 100% ON 100% Total BB DTVM BB -100% ON 100% Total BANCO POPULAR DO BRASIL BB -100% ON 100% Total BB CONSÓRCIOS BB - 100% ON 100% Total BAMB BB -100% ON 100% Total COBRA BB-99.36% ON 99.34% Total BI-0.03% ON 0.03% Total BB LEASING BB - 100% ON 100% Total BB BI BB - 100% ON 100% Total BB CORRETORA BB - 100%ON 100% Total ATIVOS S.A. BB BI - 49% ON 74.50 % Total BAMB - 51% ON 25.50% Total BB SECURITIES BAMB -100% ON 100% Total BB TURISMO BAMB - 99% ON BB LEASING – 1%ON 100%Total BB CARTÕES BB - 100% ON 100% Total BANCO DO BRASIL SECURITIES LLC BB - 100% ON 100% Total BB VIENA BB -100% ON 100% Total Affiliated Companies BB BI B B Strategic Partnerships Strategic Partnerships Other Partnerships BRASILPREV BB-BI 49.99% ON 49.99% Total BRASILCAP BB-BI 49.99% ON 49.99% Total ALIANÇA DO BRASIL BB-BI 40% ON 70% Total BRASIL VEÍCULOS BB-BI 40% ON 70% Total VISA VALE BB BI 35% ON 40.35% Total CIBRASEC BB-BI 9.09% ON 9.09% Total CLEARINGS CIP BB 9.78% ON 9.78% Total CBLC BB 2.45% ON 2.45% Total VISANET BB BI Classe A 35% Classe B 28.75% 31.99% Total TECBAN BB BI 8.96% ON 8.96% Total BRASILSAÚDE BB-BI 49.92%ON 49.92% Total SBCE BB-BI 12.08% ON 12.08% Total Non-Strategic Partnerships Non-Strategic Partnerships ITAPEBI BB-BI 19% ON 19% Total PRONOR BB 0% ON 1.05% Total BI 0% ON 3.27% Total DTVM 29.5% ON 12.02% Total KEPLER WEBER BB-BI 24.38% ON 24.38% Total DTVM 0.30% ON 0.30% Total NEOENERGIA BB-BI 8.81% ON 8.81% Total CADAM BB 0% ON 21.64% Total

  7. Organizational Structure General Shareholders Meeting Board of Auditors Board of Directors Audit Committee Internal Audit CEO Board of Officers International Business and Wholesale Retail Service and Distribution Credit and Debit Cards and New Retail Business Agribusinesses Government Affairs Technology and Logistic Finance, Capital Market and Investor Relations Human Resources and Social- Environmental Responsibility Credit, Controlling and Risk Management Vice-Presidents

  8. Banco do Brasil’s Shares Participation - % 11.4 5.0 7.0 68.7 Free Float: 14.8 7.8 National Treasury Foreign Investors PREVI Others BNDESPar As of June 2007

  9. Share’s Performance 14.9 8.7 8.6 8.1 7.4 2003 2004 2005 2006 1H07 3.1 Price / Earnings 2.5 2.0 1.8 1.4 2003 2004 2005 2006 1H07 Price / Book Value

  10. 40.0 40.0 36.1 31.5 31.3 2003 2004 2005 2006 1H07 Share’s Performance Payout - % 4.6 4.4 4.2 3.7 2.7 2003 2004 2005 2006 1H07¹ Dividend Yield - % (1) Dividend and Interest on Own Capital in the last 12 months

  11. Share’s Performance 666.4% 311.2% Jun/03 Jun/04 Jun/05 Jun/06 Jun/07 Ibovespa Banco do Brasil

  12. 52.8 4,154 33.7 26.0 3,024 2,381 17.6 2003 2004 2005 Performance 1,555 2,418 991 47.8 862 32.1 26.8 23.0 22.3 1,498 69.1 24.3 22.6 954 746 6,044 52.8 41.3 3,889 2,477 2,156 2H06 1H07 2006 1H06 2003 2004 2005 2006 1H06 2H06 1H07 ROE - % Dividends / Interest on Capital - R$ million Net Income - R$ million Market Capitalization - R$ billion

  13. 20.8 19.2 16.8 5.6 5.7 5.4 5.3 4.6 14.1 4.0 12.2 11.7 11.7 11.6 10.6 10.6 9.7 Capital Structure 17.3 17.1 17.3 15.9 15.2 13.7 22.3 1H07 2003 2004 2005 2006 1H06 2003 2004 2005 2006 1H06 1H07 BIS Ratio -% Shareholder’s Equity - R$ billion Tier I - % Tier II - %

  14. Highlights 17.3 15.1 15.1¹ 16.6 16.5 16.5 16.3 15.9 15.7 15.3 15.1 14.8 333.0 145.2 273.8 296.4 133.2 113.1 253.0 239.0 230.1 101.8 88.6 77.6 CAGR: 11.1% CAGR: 19.6% 1H07 2003 2004 2005 2006 1H06 2003 2004 2005 2006 1H06 1H07 Market Share - % Market Share² - % Assets - R$ billion Loan Portfolio - R$ billion (1) As of March/2007 (2) Domestic Portfolio

  15. Highlights 22.4 20.7¹ 20.2 19.7 19.7 19.4 20.3 20.2 20.2 19.1 19.0 19.1 164.5 158.8 208.9 139.9 137.7 182.7 171.2 115.5 153.5 110.0 124.0 102.7 CAGR: 12.2% CAGR: 22.5% 1H07 2003 2004 2005 2006 1H06 2003 2004 2005 2006 1H06 1H07 Market Share - % Market Share - % Deposits - R$ billion Assets Under Management - R$ billion (1) As of March/2007

  16. 23.3 1.6 22.2 1.5 21.5 1.4 2005 22.9 19.7 1.4 2004 21.1 17.5 1.2 2003 18.8 2005 83.8 2004 79.7 2003 78.0 Highlights Customers - million 24.6 1H07 23.7 1H06 CAGR: 8.5% 1.6 22.8 2006 24.4 8.5% Employees - thousand Individuals Businesses 1H07 79.3 82.9 1H06 2006 82.7

  17. Infrastructure and Technology Distribution Network 7.7% Northeast North Branches 995 Others 2,895 Total 3,890 Branches 242 Others 917 Total 1,159 25.7% 11.3% Midwest Branches 391 Others 1,327 Total 1,718 36.0% Southeast Branches 1,539 Others 3,923 Total 5,462 South 19.3% Branches 810 Others 2,120 Total 2,930

  18. 2006 4.0 11.1 15.1 2005 3.9 10.9 14.8 2004 3.7 10.7 14.4 2003 3.2 10.0 13.2 2005 40.2 39.0 2004 2003 37.0 Infrastructure and Technology Points of Service - thousand 1H07 4.0 11.2 15.2 1H06 3.9 11.0 15.0 Automated Teller Machine (ATM) - thousand Branches Others 1H07 40.0 41.7 1H06 39.7 2006

  19. 1H07 89.9 1H06 89.0 2006 90.0 89.2 2005 88.4 2004 86.4 2003 3.7 4.0 6.8 7.8 11.0 10.1 45.9 47.3 31.1 32.2 Infrastructure and Technology Transaction in Automated Channels - % Breakdown of Transactions - % 1H07 1H06 ATM Internet Banking Cashier POS Others

  20. 49.7 49.1 45.5 28.9 27.3 23.2 20.3 15.3 14.7 14.2 13.7 13.1 12.6 11.3 7.5 7.1 6.7 Productivity 55.8 54.2 48.1 47.5 2003 2004 2005 2006 1H06 2H06 1H07 Administrative Expenses - R$ billion Operational Income - R$ billion Efficiency Ratio - %

  21. 113.6 8.9 112.2 110.1 7.9 7.6 7.5 7.1 6.8 6.6 5.5 4.8 4.5 4.4 4.3 4.0 3.9 Productivity 112.9 102.3 93.1 80.6 2003 2004 2005 2006 1H06 2H06 1H07 Personnel Expenses - R$ billion Fee Income - R$ billion Coverage Ratio - %

  22. Net Interest Income R$ billion 18.0 10.1 16.7 9.3 8.7 15.5 1.6 2.0 2.9 13.5 12.4 1.3 11.3 0.7 0.9 6.2 6.7 6.8 21.6 18.7 19.2 16.8 15.8 17.1 12.2 11.2 9.6 9.4 9.3 10.4 2004 2005 2006 1H06 2H06 1H07 Net Interest Income Loan Revenues Interest Expense Security Revenues Other Interest Revenues

  23. 36.8 40.8 31.4 33.2 80.2 40.1 57.5 35.8 36.7 29.0 27.1 81.4 32.8 31.1 69.4 27.4 54.4 36.0 50.3 47.3 76.9 63.5 49.7 48.2 Funding R$ billion 239.3 208.1 191.4 168.2 160.1 150.1 2003 2004 2005 2006 1H06 1H07 Demand Deposits Saving Deposits Time Deposits Others¹ (1) Include Interbank Deposits, Investment Deposits and Money Market Borrowing

  24. 12.2 12.2 27.9 24.0 9.9 9.2 21.6 9.0 18.4 48.8 45.1 16.1 39.9 35.7 30.0 56.3 51.9 41.7 38.5 33.4 Loan Portfolio R$ billion 145.2 133.2 113.1 101.8 88.6 2004 2005 2006 1H06 1H07 Businesses Agribusiness Individuals Abroad

  25. 7.4 6.5 6.1 6.1 5.0 5.0 4.6 4.1 3.6 3.2 3.1 2.8 Jun/04 Jun/05 Jun/06 Jun/07 Delinquency Allowance / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - %

  26. 27.9 21.6 9.9 9.5 9.9 9.7 10.2 10.0 8.3 6.0 3.8 3.4 1.5 3.1 2.7 2.0 2.5 2.6 2.2 2.6 2.2 2.2 0.3 0.2 0.9 0.4 1.7 Loan Portfolio - Individuals R$ billion 24.0 18.4 16.1 2004 2005 2006 1H06 1H07 Cars Overdraft Account Credit Cards Others Payroll Loan

  27. 35.0 33.6 25.1 23.1 20.2 21.4 16.6 18.3 15.4 13.2 Loan Portfolio - Businesses R$ billion 56.3 51.9 41.7 38.5 33.4 2004 2005 2006 1H06 1H07 Small and Micro Enterprises Middle and Large Enterprises

  28. 31.9 29.2 26.1 22.8 19.6 9.1 8.6 7.6 7.4 6.0 5.9 4.4 5.3 3.8 3.1 1.8 1.3 Loan Portfolio - Agribusiness R$ billion 48.8 45.1 39.9 35.7 30.0 1.9 2.0 1.8 2004 2005 2006 1H06 1H07 Cooperative Small-Sized Farmers Mini-SizedFarmers Other Farmers

  29. Retail 14.1 15.7 9.3 9.9 6.9 5.3 37.9 31.6 24.3 22.7 18.1 17.6 2003 2004 2005 2006 1H06 1H07 Issued Credit Cards - million Credit Card Revenue - R$ billion¹ (1) Debt cards included

  30. Insurance Car Insurance 718 635 676 625 578 405.2 500 367.0 351.3 318.5 238.7 171.8 2003 2004 2005 2006 1H06 1H07 Insured Cars - thousand Managed Portfolio - R$ million

  31. Insurance Life Insurance 1,748 1,824 1,685 1,417 1,351 1,263 826.3 820.1 753.7 717.1 680.6 570.5 2003 2004 2005 2006 1H06 1H07 Managed Portfolio - R$ million Insured Lives - thousand

  32. Insurance Pension Fund 1,903 1,760 1,652 1,576 1,365 14,061 1,178 12,480 10,741 9,659 7,781 5,586 2003 2004 2005 2006 1H06 1H07 Participants - thousand Managed Portfolio - R$ million

  33. Insurance Capitalization (Annuity Plans) 2,949 2,859 2,851 2,768 2,792 2,661 2,886 2,822 2,875 2,727 2,264 2,060 2003 2004 2005 2006 1H06 1H07 Quantity of Plans - thousand Managed Portfolio - R$ millions

  34. 2004 2005 2006 1H06 1H07 Contracted Amount - R$ million 13.6 105.4 313.8 230.0 477.6 Benefited Families (thousand) 16.8 70.6 230.9 149.1 307.3 Involved Branches 428 1,482 2,502 1,693 3,586 Skilled Employees 1,370 4,062 6,052 5,469 9,788 Served Municipalities 642 1,503 2,788 1,830 3,343 Approved Business Plans 120 375 1,020 710 1,529 Productive Activities 40 70 70 70 70 Sustainable Regional Development Strategy for job and income generation in a sustainable way which began in 2003. Support to environmentally correct, socially fair, economically viable and culturally diversified productive activities.

  35. For further information access www.bb.com.br/ri Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor 70073-901 - Brasília (DF) Phone: 55 (61) 3310.3980 Fax: 55 (61) 3310.3735 www.bb.com.br ri@bb.com.br Disclaimer- This presentation contains references and statements, planned synergies, increasing estimates, projections of results and future strategy for Banco do Brasil, it’s Associated and Affiliated Companies and Subsidiaries. Although these references and statements reflect the management’s belief, it also involves imprecision and high difficult risks to be foreseen, consequently, it may conduct to a different result than the one anticipated here. These expectations are highly depended on market conditions, on the Brazilian economic performance, on the sector and the international market. Banco do Brasil is not responsible for bringing up to date any estimate in this presentation.

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